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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $144,660 | $102,429+41.2% | $147,096-1.7% | $80,925+78.8% |
| Participation rate | 60.7% | 75.9%-15.1pp | 82.2%-21.5pp | 67.7%-6.9pp |
| Annual return | 13.88% | 135.02%-121.1pp | 419.75%-405.9pp | 35.65%-21.8pp |
| Employer contribution / active EE | $619 | $3,716-83.4% | $4,936-87.5% | $2,756-77.6% |
| Participant deferral / active EE | $5,277 | $6,649-20.6% | $8,071-34.6% | $4,299+22.8% |
| Admin fee / account holder | $15,673 | $7,957+97.0% | $13,005+20.5% | $6,940+125.8% |